West Michigan Mutual LLC DBA Chief Insurance Services Veronika Rowell

West Michigan Mutual LLC DBA Chief Insurance Services
Veronika Rowell
What is MEDICARE?
It is a government health insurance program in the United States.
Let's talk about what to do if you're turning 65 soon, you've lost your employer insurance, or your plan no longer covers the drugs and doctors you need.
When can I get Medicare?
Three months before my 65th birthday.
If you are first eligible for Medicare, you can apply 3 months before your birth month, in your birth month, and 3 months after. But it is better not to wait to avoid losing your coverage start date and penalties.
If you're over 65 and had insurance through an employer (or through a spouse), you can enroll in Medicare when your group coverage ends. You have a 2-month Special Enrollment Period to choose Medicare Advantage or Part D (a drug plan) without penalty or having to wait until the fall. You can also enroll in Medigap if you're planning on original Medicare.
You have the right to change your Medicare plan or enroll if:
• you have moved to another state or county where different plans are in effect;
• you lost Medicaid or other benefits (such as Extra Help);
• you have been discharged from a long-term care facility;
• released from prison;
• the insurance company has ceased operations in your region.
We'll help you compare available plans from leading insurance companies. And also:
- check if your medications and doctors are covered;
- we provide support from the moment of submitting an application until the use of insurance;
- we process both Medicare and insurance through the Marketplace;
- we monitor updates to your plan and contact you every year;
- we speak Russian, Ukrainian and English.
If you don't know where to start, call: 616-600-8444